open enrollment - my bpi life – my bpi life · hra and hsa employer funding • if you enroll in...

OPEN ENROLLMENT May 15 – May 26

San Diego

You Asked, We Listened

What’s New & What’s Changing

Medical • Cigna Choice Fund with Health Reimbursement Account (HRA) – you now have two HRA compatible health plans to

choose from – the 1500 HRA with copays and the 2500 HRA plan • Cigna Choice Fund with Health Savings Account – you now have one HSA compatible health plan to choose from –

the 2000 HSA plan • San Diego Only – you now have the option to enroll in a Cigna Southern CA Select HMO – this HMO only provides

access to in-network Scripps physicians

HRA and HSA Employer Funding • If you enroll in one of the Cigna Choice Fund Plans, Bridgepoint will contribute to your HRA or HSA account. The

amount placed in the fund is no longer based on your wellness participation, but is pro-rated based on your enrollment date. Amounts are:

– $750/year for employee only coverage – $1,500/year for employee + dependents coverage

Employee Medical Contributions • You’ll pay $25 less each paycheck for your medical coverage if you completed the health screening and assessment. If

you didn’t complete it this year, you will have an opportunity to do so in 2018 for the 2018/2019 plan year. You can find employee contribution information when you enroll online.

Employee Assistance Program • Cigna’s Employee Assistance Program (EAP) now offers 5 face-to-face counseling sessions

NEW - Cigna Southern CA Select HMO Southern California Only

MEDICAL PLAN FEATURES IN NETWORK

Plan Year Deductible None

Plan Year Out of Pocket Maximum $3,000 Individual / $6,000 Family

Preventive Care Covered at 100%, no copay

PCP / Specialist Office Visit $20 / $40

X-Ray/Laboratory – Standard/Complex 0% / 0%

Inpatient Hospital $250 copay per admit

Outpatient Hospital $125 copay

Emergency Room (waived if admitted) $150 copay

Urgent Care $75 copay

Chiropractic Office Visit (limits apply) $15 copay

PRESCRPTION PLAN FEATURES IN NETWORK

Generic / Tier 1 $10 copay

Brand /Tier 2 $30 copay

Non – Formulary / Tier 3 $50 copay

Mail Order (90 day supply) $25/$75/$125

Refer to the Cigna document for further details

Cigna 1500 Copay Choice Fund with Health Reimbursement Account (HRA)

MEDICAL PLAN FEATURES IN NETWORK OUT OF NETWORK

Fund Provided by Bridgepoint (1) $750 Individual / $1,500 Family

Plan Year Deductible (Cross Accumulation in/out of Network)

$1,500 Individual / $3,000 Family $3,000 Individual / $6,000 Family

Plan Year Out of Pocket Maximum (2)

$3,500 Individual $3,500 Individual in a family

$7,000 Family


$14,000 Family

Preventive Care Covered at 100%, no copay 40% after deductible

PCP / Specialist Office Visit $25 / $50 40% after deductible

X-Ray/Laboratory –Standard/Complex 20%/20% (copay applies in physician office) 40%

Inpatient Hospital 20% after deductible 40% after deductible

Outpatient Hospital 20% after deductible 40% after deductible

Emergency Room 20% after deductible

Urgent Care 20% after deductible

Chiropractic Office Visit (limits apply) $25 or $50 40% after deductible

(1) HRA fund cannot be used to pay copay amounts (2) Copays apply to OOP max but not the deductible


Cigna 2500 Choice Fund with Health Reimbursement Account (HRA)


Fund Provided by Bridgepoint $750 Individual / $1,500 Family


$2,500 Individual / $5,000 Family $5,000 Individual / $10,000 Family

Plan Year Out of Pocket Maximum $5,000 Individual

$5,000 Individual in a family $10,000 Family


$20,000 Family


PCP / Specialist Office Visit 20% after deductible 40% after deductible

X-Ray/Laboratory – Standard/Complex 20%/20% 40%





Outpatient Visits (Speech, PT, OT) 20% after deductible 40% after deductible

Chiropractic Office Visit (limits apply) 20% after deductible 40% after deductible


Cigna 2000 Choice Fund with Health Savings Account (HSA)


Fund Provided by Bridgepoint $750 Individual / $1,500 Family


$2,000 Individual $2,600 in a Family

$4,000 Family

$4,000 Individual $4,000 in a Family

$8,000 Family

Plan Year Out of Pocket Maximum $4,000 Individual / $8,000 Family $8,000 Individual / $16,000 Family


PCP / Specialist Office Visit 20%/20% after deductible 40% after deductible

X-Ray/Laboratory – Standard/Complex 20%/20% 40%





Chiropractic Office Visit (limits apply) 20% after deductible 40% after deductible


Prescription Benefits w/ HRA or HSA

Prescription Coverage In Network Out of Network

HRA: Not Subject to Deductible HSA: Subject to Deductible Retail (30 day supply) Mail Order (90 day supply)

Free - Certain Preventive Generic Drugs Free- Certain Generic Contraceptives

30% coinsurance - Generic

40% coinsurance - Brand Formulary 50% coinsurance - Brand Non-

Formulary

Not Covered

Preventive Drugs Preventive medications are used for prevention of conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, heart attack, stroke, and prenatal nutrient deficiency. Visit www.cigna.com and click on the “informed on Reform” link for more information. Visit www.cigna.com for more information on no charge generic contraceptives.

Don’t forget to check big box stores like Costco, Target, and Wal-Mart for

$4 and $5 generics!

How does it add up for Ashley? Young Healthy Female Who Visits Her Doctor For a Physical & Minor Symptoms

1500 Copay HRA 2500 HRA 2000 HSA Select HMO

Annual Employee Premium

$1,620 $1,161 $1,362 $1,425

Employer Fund

HRA $750 HRA $750 HSA $750 None

Claims Expenses - $726

Cigna Paid: HRA Fund Paid:

Ashley Paid:

$686 $40 $0


Ashley Paid:

$686 $40 $0

Cigna Paid: HSA Fund Paid: Ashley Paid:

$626 $100 $0

Cigna Paid: Ashley Paid:

$696 $30

Ashley’s Total Annual Cost

$1,620 $1,161 $1,362 $1,455

$710 rolls over to 2018 HRA fund


$650 rolls over to 2018 HSA fund

Assumptions: EE Only Coverage / Wellness Participant / In Network Only Preventive visit ($626), 1 Brand Rx 9$100)

How does it add up for Carlos? Young Active Male with Sports Injury



$1,620 $1,161 $1,362 $1,425

Employer Fund

HRA $750 HRA $750 HSA $750 None

Claims Expenses - $2,050


Carlos Paid:

$1,110 $750 $190


Carlos Paid:

$60 $750 $1,240

Cigna Paid: HSA Fund Paid: Carlos Paid:

$0 $750 $1,300

Cigna Paid: Carlos Paid:

$1,825 $225

Carlos’ Total Annual Cost

$1,810 $2,401 $2,662 $1,650

Assumptions: EE Only Coverage / Wellness Participant / In Network Only Urgent Care visit ($750), 6 PT visits ($200) and 1 brand rx ($100)

How does it add up for the Smiths? Young Couple Having Their 1st Child



$4,392 $3,368 $3,864 $4,091

Employer Fund

HRA $1,500 HRA $1,500 HSA $1,500 None



Smith’s Paid:

$9,815 $1,500 $3,925


Smith’s Paid:

$8,200 $1,500 $5,540

Cigna Paid: HSA Fund Paid: Smith’s Paid:

$9,000 $1,500 $4,740

Cigna Paid: Smith’s Paid:

$14,960 $280

The Smith’s Total Annual Cost

$8,317 $8,908 $8,604 $4,371

Assumptions: EE Plus Spouse Coverage / Wellness Participant / In Network Only Prenatal visits ($200), Preventive Generic Rx ($40), Delivery ($15,000)

How does it add up for the Nguyens? Healthy Couple with 2 Healthy Teenage Children with Typical Colds and Flu



$6,388 $4,672 $5,595 $6,139

Employer Fund

HRA $1,500 HRA $1,500 HSA $1,500 None


Cigna Paid: HRA Fund Paid: Nguyen’s Paid:

$2,055 $870 $175

Cigna Paid: HRA Fund Paid: Nguyen’s Paid:

$1,180 $1,500 $420

Cigna Paid: HSA Fund Paid: Nguyen’s Paid:

$1,000 $1,500 $600

Cigna Paid: Nguyen’s Paid:

$2,795 $305

The Nguyen’s Total Annual Cost

$6,563 $5,092 $6,195 $6,444


Assumptions: Family Coverage / Wellness Participant / In Network Only 4 Preventive Visits ($250), 3 Brand Rx ($100), 7 Office Visits ($150), 1 Urgent Care Visit ($750)

How does it add up for the Johnsons? 50 Year Old Couple, One with a Chronic Condition and One with an ER Visit



$4,392 $3,638 $3,864 $4,091

Employer Fund

HRA $1,500 HRA $1,500 HSA $1,500 None


Cigna Paid: HRA Fund Paid: Johnson’s Paid:

$4,480 $1,500 $3,620

Cigna Paid: HRA Fund Paid: Johnson’s Paid:

$2,700 $1,500 $5,400

Cigna Paid: HSA Fund Paid: Johnson’s Paid:

$5,124 $1,500 $2,976

Cigna Paid: Johnson’s Paid:

$8,610 $990

The Johnson’s Total Annual Cost

$8,012 $9,038 $6,840 $5,081

Assumptions: ES Coverage / Wellness Participant / In Network Only 2 Preventive Exams ($250), 12 Non-Preferred Brand Rx ($300), 6 Specialist Visits ($400), 1 ER Visit ($3,100)

Finding the Right Care

Nurse Line Whether it’s the middle of the night, you’re away from home, or you’re just not sure if you need to call your doctor, Cigna’s 24/7 Nurse Line is there for you.

Cigna Telehealth Connection Lets you get the care you need – including most prescriptions – for a wide range of minor conditions.

MinuteClinic For convenient treatment of minor illnesses or injuries you may use MinuteClinic, the walk-in medical clinic located inside select CVS/pharmacy stores nationwide.

BPI Health and Wellness Center Located inside our San Diego location, the Bridgepoint Education Health & Wellness Center offers you a variety of services that will help you lead a healthier life.

Family Doctor Your family doctor is your main point of contact for all of your health care needs. He or she will handle your care, coordinate any treatments, recommend special care if needed.

Urgent Care Urgent conditions are not emergencies, but may need prompt medical attention. Urgent Care centers can handle a variety of conditions that need to be treated right away.

New Cigna EAP

As an employee of Bridgepoint Education you have access to the valuable Cigna Employee Assistance Program (EAP) at no cost to you.

Take advantage of a wide range of services: • 5 face-to-face counseling sessions with a counselor

in your area. • Legal assistance: 30-minute consultation with an

attorney face-to-face or by phone.* • Financial: 30-minute telephone consultation with

a qualified specialist on topics such as debt counseling or planning for retirement.

• Parenting: Resources and referrals for childcare providers, before and after school programs, camps, adoption organizations, child development, prenatal care and more.

• Eldercare: Resources and referrals for home health agencies, assisted living facilities, social and recreational programs and long-distance caregiving.

• Pet care: Resources and referrals for pet sitting, obedience training, veterinarians and pet stores.

• Identity theft: 60-minute consultation with a fraud resolution specialist.

We’re here to listen. Contact us any day, anytime. Call 1.877.622.4327 Or log in to CignaBehavioral.com Have your employer ID handy: bridgepoint

Zest Health is Here!

My BPI Life

Ready to Enroll? Visit the Bridgepoint Enrollment Site

• Go to: bridgepoint.benefitsnow.com • Enter your user name and password

or • Click on First-Time User and follow

the Prompts to register

• Once you are registered/logged in, click on Get Started to enroll in your benefits.

• The final step is to confirm your elections

open enrollment - my bpi life – my bpi life · hra and hsa employer funding • if you enroll in...

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